drew,
Do you have the flash kit for your camera. I know flashkits are not cheap but they really make a difference. I teach PADI's U/W photography course and while I wouldn't say you should take the overall course you may want to order the course book as it offers lots of information on how to shoot good photos. The flash kit for your camera would make a big difference.
I used the reefmaster camera for a while before I upgraded to a Sea & Sea model. They are nice little cameras and take really great pictures. One recommendation I can make is to zoom with your fins not with your digital zoom. Reefmaster cameras use digital zoom which lowers the resolution of the target your are shooting; so maintain good buyonacy and try to get as close as possible to your subjects.
Also remember Drew that one picture is never enough. If your subject is remaining still snap, snap, snap and get as many shots as you can in case your other shots don't turn out. Also, how are your adobe photoshop skills. When I teach the padi course I spend a lot of time teaching photoshop, way more then the padi material suggests since it can really enhance your u/w pics.
fisheye is right, shooting at an upward angle is very important but using that flash properly is as well. Beginning u/w photographers make lots of mistakes, using the zoom is a big one. I would recommend getting a book on u/w photography and if you can play around with shooting aquariums. I am an aquarist and I still think if someone can become a good aquarium photographer then underwater stuff comes naturally.